商业银行管理经典讲义(课件).pptVIP

第一章 引言 1、Definitioncommercial bank Commercial Bank A financial institution that provides services such as a accepting deposits and giving business loans. An institution which accepts deposits, makes business loans, and offers related services. Commercial banks also allow for a variety of deposit accounts, such as checking, savings, and time deposit. While commercial banks offer services to individuals, they are primarily concerned with receiving deposits and lending to businesses.  1、背景 机构投资者的兴起，个人的资金有了更多的选择，影响银行的资金来源 企业融资结构发生变化，更多地依赖证券市场 电子支付工具使支付系统经营权有银行独享开始分散 金融自由化和互联网使银行的特殊地位受到挑战